Latest addition in providing institutional financial assistance to woman Entrepreneurs is ?->(Show Answer!)

1. Latest addition in providing institutional financial assistance to woman Entrepreneurs is

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MCQ-> Read the following passage carefully and answer the questions based on it. Some words have been printed in bold to help you locate them while answering some of the questions.Notwithstanding the fact that the share of household savings to GDS is showing decline, still this segment is the significant contributor to GDS with 70% share. Indian households are among the most frugal in the world However, commensurate capital formation has not been taking place as a lion's share of household savings are being parked in physical assets compared to financial assets. The pattern of disposition of saving is an important factor in determining how the saved amount is utilized for productive purposes. The proportion of household saving in financial assets determines the channelisation of saving for investment in other sectors of the economy. However, the volume of investment of saving in physical assets determines the productivity and generation of income in that sector itself. Post-Independence era has witnessed a significant shift in deployment of household savings especially the share of financial assets increased from 26.39% in 1950 to 54.05% in 1990 may be on account of increased bank branch network across the country coupled with improved awareness of investors on various financial / banking products. However, contrast to common expectations, the share of financial assets in total household savings has come down from 54.05% to 50.21% especially in post reform period i.e. 1990 to 2010 despite providing easy access and availability of banking facilities compared to earlier years. The increased share of physical assets over financial assets (around 4%) during the last two decades is a cause of concern requires focused attention to arrest the trend. Traditionally, the Indians are risk-averse and prefer to invest surplus funds in physical assets such as Gold, Silver and lands. Nevertheless, considerable share of savings also owing to financial assets, which includes, Currency, Bank Deposits, Claims on Government, Contractual Savings, Equities The composition of household financial savings shows that the bank deposits (44%) continue to remain the major contributor along with the rise in the Contractual Savings, Claims on Government and Currency. Though there was gradual decline in currency holdings by the households i.e. 13.79% in 1970s to 9.30% in 2007, still the present currency holding level with households appears to be on high side compared to other countries. The primary reasons for higher currency holdings could be absence of banking facilities in majority villages (5.70 lakh villages)as well as hoarding of unaccounted money in the form of cash to circumvent tax laws. Though, cash is treated as financial asset, in reality, a major portion of currency is blocked and become unproductive. Bank deposits seemed to be the preferred choice mainly on account of its inbuilt features such as Safety, Security and Liquidity. Traditionally, the Household sector has been playing a leading role in the landscape of bank deposits followed by the Government sector. However, the last two decades has witnessed significant shift in ownership of Bank deposits. While there was improvement in Corporate and Government sectors' share by 8.30% and 7.20% respectively during the period 1999 to 2009, household sector lost a share of 13.30% in the post reform period. In the post independence era, Indian financial system was characterized by poor infrastructure and low level of financial deepening. Savings in physical assets constituted the largest portion of the savings compared to the financial assets in the initial years of the planning periods. While rural households were keen on acquiring farm assets, the portfolio of urban households constituted consumer durables, gold, jewellery and house property.Despite the fact that the household savings have been gradually moving from physical assets to financial assets over the years, still 49.79% of household savings are wrapped in unproductive physical assets, which is a cause of concern as the share of physical assets to total savings are very high in the recent years compared to emerging economies. This trend needs to be arrested as scarce funds are being diverted into unproductive segments. Of course, investment in Real estate sector can be treated as productive provided construction activity is commenced within reasonable time, but it is regrettably note that many investors just buy and hold it for speculation leading to unproductive investments. India has probably the largest fascination with gold than any other country in the world with a share of 9.50% of the world's total gold holdings. The World Gold Council believes that they are over 18000 tonnes of gold holding in the country. More impressive is the fact that current demand from India alone consumes 25% of the world's annual gold output. Large amount of capital is blocked in gold which resides in bank lockers and remain unproductive. Indian economy would grow faster if the capital markets could attract more of the nation's savings and channel them into more productive areas, especially infrastructure. If the Indian market can develop and evolve into a more mature financial system, which persuades the middle class to put more of its money into equities, the potential is mind-boggling.Which of the following statement (s) is/are correct in the context of the given passage? I. The GDS percentage to GDP has shown considerable improvement from 10% in 1950 to 33.7% in 2010, which is one of the highest globally. II. The saving rate however shows an increasing trend, marginal decline is observed under tic use hold sector. III. The share of financial assets in total household savings have come down from 54.05% to 21% especially in post reform era.....

MCQ->Latest addition in providing institutional financial assistance to woman Entrepreneurs is....

MCQ-> Read the following passage carefully and answer the question given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.Agriculture has always been celebrated as the primary sector in India. Thanks to the Green Revolution, India is now self-sufficient in food production. Indian agriculture has been making technological advancement as well. Does that mean everything is looking bright for Indian agriculture ? A superficial analysis of the above points would tempt one to say yes, but the truth is far from it. The reality is that Indian farmers have to face extreme poverty and financial crisis, which is driving them to suicides. What are the grave adversities that drive the farmers to commit suicide, at a time when Indian economy is supposed to be gearing up to take on the world ?Indian agriculture is predominantly dependent on nature. Irrigation facilities that are currently available, do not cover the entire cultivable land. If the farmers are at the mercy of monsoons for timely water for their crops, they are at the mercy of the government for alternative irrigation facilities. Any failure of nature, directly affects the fortunes of the farmers. Secondly, Indian agriculture is largely an unorganized sector, there is no systematic planning in cultivation, farmers work on lands of uneconomical sizes, institutional finances are not available and minimum purchase prices of the government do not in reality reach the poorest farmer. Added to this, the cost of agricultural inputs have been steadily rising over the years, farmers’ margins of profits have been narrowing because the price rise in inputs is not complemented by an increase in the purchase price of the agricultural produce. Even today, in several parts of the country, agriculture is a seasonal occupation. In many districts, farmers get only one crop per year and for the remaining part of the year, they find it difficult to make both ends meet.The farmers normally resort to borrowing from money lenders, in the absence of institutionalized finance. Where institutional finance is available, the ordinary farmer does not have a chance of availing it because of the “procedures” involved in disbursing the finance. This calls for removing the elaborate formalities for obtaining the loans. The institutional finance, where available is mostly availed by the medium or large land owners, the small farmers do not even have the awareness of the existence of such facilities. The money lender is the only source of finance to the farmers. Should the crops fail, the farmers fall into a debt trap and crop failures piled up over the years give them no other option than ending their lives.Another disturbing trend has been observed where farmers commit suicide or deliberately kill a family member in order to avail relief and benefits announced by the government to support the families of those who have committed suicide so that their families could at least benefit from the Government’s relief programmes. What then needs to be done to prevent this sad state of affairs ? There cannot be one single solution to end the woes of farmers.Temporary measures through monetary relief would not be the solution. The governmental efforts should be targeted at improving the entire structure of the small wherein the relief is not given on a drought to drought basis, rather they are taught to overcome their difficulties through their own skills and capabilities. Social responsibility also goes a long way to help the farmers. General public, NGOs, Corporate and other organizations too can play a part in helping farmers by adopting drought affected villages and families and helping them to rehabilitate.The nation has to realize that farmers’ suicides are not minor issues happening in remote parts of a few states, it is a reflection of the true state of the basis of our economy.What does the author mean by “procedures” when he says that ‘farmers do not get a chance of availing institutional finance because of procedures involved in it’ ?
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MCQ-> Read Ito’ following passage carefully and answer the questions given below it. Certain words are printed in bold to help you locate them while answering sonic of the questions. Once upon a time. there was a shrewd shopkeeper called Makitrand. He had a friend called Mihir, who had saved a lot of money. Mihir was keen on going on a pilgrimage. But he did not know where to leave his precious savings. So he came to Makarand’s shop and said, ‘my friend, I trust you more than anyone. Could you please look after my life’s savings till i return from my pilgrimage Makarand pretended to be deep in thought, and then said, ‘1 would rather not. Money spoils relationships. What if something hap • pens to your money while you are away ? You will no longer be my friend.’ As Mihir stood there by his shop thinking about what his friend had just said, an old woman entered the shup and bought some things. One of the boys helping Makarand, gave her less change than he should have. Makaranc saw this and pretended to scold the boy, he then ordered him to return the remaining money to the woman. Mihir not knowing that this was an act put up by Makarand to make him believe that he was honest, was convinced about his decision and said to Makarand, ‘I have decided. I will leave the money only with you.’ Makarand smiled. Then let us do something. Let’s take the bag of coins and bury it in a place that only you and I will know of. That way, even if something happens to me while you are away, you will know where your money is: Mihir, simple that he was. thought this was a good idea and the two went and hid the bag in a secret place. Mihir left the next day on his pilgrimage. happy his savings Were in safe hands. Six months later, Mihir returned. He dumped his luggage at home and went to dig out his bag of savings. But even though he searched and searched for his valuables, there was no sign of the bag anywhere. In panic, he ran in Makarand, who was busy in his shop. When Mihir asked him about the bitg, Makarand pretended to be surprised. ‘But I did not go that way in all these months. Why don’t you search for it again ?’ he said, putting on his most innocent look. Mihir had no choice but to believe him. Sadly, he went home. On the way, as luck would have it, he met the old woman he had seen in Makarand’s shop. Seeing him sad. she asked him what the matter was. Mihir told her the whole story, Then she smiled and whispered a plan to him. Not long after, the woman came to Makarand’s shop, carrying a big box. ‘Brother, I heard you are a good and honest man. My son went on a pilgrimage many months ago and has still not returned. 1 am worried and have decided to go and loo for him. Will you look after my box of two hundred gold coins while I am away ?Makarand could not believe his luck. He was about to launch into his idea about- hiding the box, when an angry Mihir entered the shop, ‘Where is but before he could complete his sentence, Makarand, afraid of being accused in front of the old woman, said quickly, ‘I forgot. I had seen some pigs digging around there and had removed the bag just to keep it safe. Here it is.’ And he handed Mihir the bag he had stolen many months ago. Now the old woman pretended she was seeing Mihir for the first time, Son, did you also go on a pilgrimage? Could you tell me if you met my son anywhere? His name is Jahangir.’ Mihir, clutching onto his precious bag, said, ‘Yes, Auntie, I met him on the road a few villages away. He was on his way home. He should be here in a week.’ The old woman leaned over and took her box away from Makarand. Thank you. Brother, you have saved me an unnecessary trip. Now, I will need some money to prepare for my son’s welcome,’ she added and the two left the shop. Makarand could only stare at them Open-mouthed,What incident in the passage convinced Mihir that Makarand was indeed an honest man? (A) The incident where he scolded his helper boy for returning less change to the old woman who was a customer in his shop. (B) The fact that Makarand refused to keep Mihir’s money, in the event that it might destroy their friendship. (C) The incident where Makarand told Mihir that he had kept his hag with him as he saw pigs digging at the very spot where the treasure was buried.....